Chase Identity Protection Review

I was asked to do a review of Chase’s Identity Protection offering by a reader Toby. Since Chase offers a 30 day free trial, I signed up about a month ago and wanted to do a quick review on it.

For just under $12 a month you get unlimited access to your credit scores and reports from all 3 bureaus. They also montior changes to your credit file daily. There is also a $100,000 fraud expense reimbursement if you ever become a victim of identity fraud. If that does happen you receive access to a personal fraud specialist to work with to solve any issues.

What is important to me is the real time monitoring of my credit data. Don’t get me wrong, free credit reports are great, but by the time you check a report the damage could already have been done. With Chase, they sent me an email the day I opened a new credit card account letting me know that a new account was opened in my name. What was cool was that I could dispute the alert right there if I had not opened the account that I received the alert for. Most other identity protection sites tell you to call the credit bureau and don’t want to help you out.

I was able to pull my credit reports multiple times without issue. The site also does a very good job of explaining to you how your credit score is compiled and what things you can do over time to improve it. Obviously I wasn’t a victim of fraud within the first 30 days I tried it so I can’t comment on the persoal fraud assistant, but overall I was happy with the service that they provide. I decided to keep the Chase Identity Protection and cancel the service I had from Experian. For the money Chase offers me more features and fraud services, should I need them.

If you currently don’t have any fraud protection offering, I would suggest that check out Chase’s Identity Protection. Or at least just try it free for 30 days to see if it is something you may find useful.

Have you checked your Credit Report? If you haven’t been told by now, It is good practice to keep an eye on your credit report...

Credit Monitoring DilemmaAfter months of debate and looking at various products, I decided to move forward and purchase Equifax Credit Watch Gold...

Use Virtual Account Numbers to Fight FraudNot many people realize that their credit card may offer a good type of fraud protection called Virtual Account Numbers....